Wow!!! Terungkap rahasia kaya raya...

Seorang suami (sebut saja namanya Agung) bertanya ke saya,"pak Nas, kenapa ya hutang saya ngak lunas-lunas? Menghadapi pertanyaan seperti ini, biasanya saya jawab dengan mengajaknya menggunakan ilmu "law of projection","disiplin kata"atau "garpu tala." Tapi kali ini saya ingin gunakan jurus berbeda. Saya tanya balik ke dia "istri anda bahagia ngak hidup dengan anda? Ditanya pertanyaan berbeda, dia merespon dengan membenarkan pertanyaannya."Gini pak Nas, saya tanya tentang hutang , kenapa ya hutang saya ngak lunas-lunas? Sekali lagi saya tanya balik ke dia "iya...saya tanya anda dulu...istri anda bahagia ngak hidup bersama anda?

Lama dia terdiam, lalu dia jawab"kayaknya ngak bahagia pak Nas." Lalu saya bilang ,"ya sudah...itu jawabannya....anda ngak bakal bisa melunasi hutang anda kalau istri anda ngak bahagia hidup bersama dengan anda."

"Lho memang ada hubungannya pak Nas?" tanya dia. "Ya pasti" jawab saya. Lalu saya jelaskan ilmu terumbu karang. "Dimana Allah titip rezeki untuk manusia?" Ini adalah pertanyaan sederhana,namun banyak manusia tidak yahu jawabannya. Sementara semua hewan tahu dimana letak rezekinya. Jerapah jika ditanya pasti menjawab dipucuk pohon. Monyet akan menjawab di pohon pisang. Ikan akan menjawab, rezekinya dititip di terumbu karang.

Uniknya jawaban manusia berbeda-beda. Tidak seragam seperti jawaban hewan. Ada yang menjawab di proyek, di kantor, di bendahara, dimana-mana,dan jawaban lain yang menunjukkan sebenarnya kita tidak tahu dimana letak rezeki kita. Dengan kajian panjang, saya menyimpulkan bahwa rezeki Allah dititip di "kemuliaan dan kebahagiaan orang lain."

Rezeki yang kita dapatkan sebenarnya bukan karena keahlian kita, bukan juga karena jam kerja yang kita curahkan. Tapi lebih karena kita pernah memuliakan dan membahagiakan orang lain. Lalu Allah berikan reward berupa rezeki yang tercurah akibat proses itu.

Jika jerapah menjaga pucuk pohonnya, monyet menjaga pohon pisangnya, maka ikan pun akan menjaga terumbu karangnya agar dapatkan rezeki. Uniknya, manusia dengan mudahnya menyakiti perasaan orang lain. Kenapa? Karena tidak tahu konsep " menjaga terumbu karang" ini. Begitulah yang terjadi pada pak Agung. Dia fokus mencari nafkah di tempat kerja, tapi istri sendiri tidak dia bahagiakan.

Pak Agung menghela nafas."Terus apa yang harus saya lakukan pak Nas?" " Ya sederhana sebenarnya, buat saja istri mulia dan bahagia,karena disana letak rezeki bapak" jawab saya. "Kita terlalu sibuk bekerja dan menjadi robot, lalu menganggap dengan aktivitas kita itulah kita mendapatkan rezeki dan mampu membayar hutang-hutang kita. Padahal kita sebenarnya juga bahagiakan orang-orang yang menjadi sebab rezeki kita.

Saat tiba dirumah ...dengan mudahnya kita menyakiti hati istri kita . Kadang sebagai suami, kita menganggap istri harus membuat suami bahagia. Kita-lah raja dalam rumah tangga dan dengan semena-mena kita menuntut banyak hal pada istri kita. Kita pakai dalil-dalil agama untuk mengeksploitasi istri kita. Semuanya tentang kita dan ego kita sebagai suami. Ujung dari itu semua, istri tidak bahagia. Seperti ikan, saat terumbu karangnya sudah musnah, manalah mungkin dia bisa dapatkan makanan. Saat istri-sebagai orang terdekat dengan kita-tidak bahagia, manalah mungkin kita akan dapatkan rezeki.

Suatu saat ada seorang motivator bisnis dari Amerika. Sesi yang paling saya tunggu adalah pertanyaan tentang rahasia sukses. "Apa rahasia sukses bapak?" Tanya seorang penanya. Jawabannya sungguh tak terduga. Sambil memegang mesra tangan istri, sang motivator menjawab "Happy Wife, happy Life." Sungguh bukan ini rahasia yang saya nantikan. Tapi dengan fasih, motivator itu menjawab dengan susunan logika yang menggugah perasaan saya, bahwa kebahagiaan istrilah yang akan membuat hidup seorang suami bahagia.

Kehidupan suami istri laksana lautan dalam yang tak pernah habis. Satu hal yang pasti, kita harus pertanggung jawabkan ijab qobul yang sudah terucap dan disaksikan oleh Allah SWT. Kami berdua menghela nafas....tidak mudah memang menjadi suami dan kami harus terus belajar. Semoga dengan slogan baru : "Happy Wife,Happy Life'', kami bisa mendapatkan kebahagiaan dan kesuksesan kami kembali. Aamiin....

Days of Cyber Insurers Avoiding Costly Claims May Be Numbered: Expert

Cyber crime insurers mostly avoided expensive claims from the recent attacks that hit business round the globe. consecutive international virus may amendment that.

“It’s exceptionally probably that we'll see an occurrence over consecutive months which will seriously have an effect on insurers,” Graeme Newman, chief innovation officer at chlorofluorocarbon Underwriting, same in associate interview. “It would solely want a mixture of WannaCry’s wide reach and Petya’s harmful force to price cyber insurers one thing like $2.5 billion, or a full year of gross premium financial gain within the market.”Reckitt Benckiser cluster Plc cut its full-year sales forecast on weekday once a worldwide cyber attack last month noncontinuous producing and distribution for the maker of Air Wick fresheners and Dettol cleaners. it absolutely was the primary elaborate indication of the monetary toll by a significant company.

Hackers might learn to develop even additional dangerous tools once attacks like the WannaCry virus in might and also the Petya attack that wreaked disturbance in Europe in Gregorian calendar month by phase change access to computers, permitting the attackers to demand ransom to unlock the systems. Those events didn’t end in purposeful insurance claims as a result of they didn’t have an effect on several firms within the U.S., wherever presently over ninety p.c of the cyber insurance market is found, Newman same.Growing Market

CFC underwrites just about $100 million of cyber insurance premiums, creating it one among Europe’s biggest sellers of the merchandise, and has oversubscribed the coverage since 2000. As a Lloyd’s of London-backed managing general agent, the corporate underwrites on behalf of alternative insurers. the worldwide marketplace for cyber insurance grew to concerning $3.4 billion in premiums last year and will rise to between $8.5 billion and $10 billion by 2020, reinsurer Muenchen Re estimates. chlorofluorocarbon saw its premiums within the market climb by over sixty p.c last year and Newman expects to match that this year.

“Sooner or later we have a tendency to, can see a billion-dollar cyber claim and also the insurance market is well positioned to soak up that,” same Thomas Seidl, associate analyst at Sanford C. Leonard Bernstein in London. “Everybody has exposure to cyber risks and also the best precaution can’t eliminate that, therefore there's a powerful demand for insurance creating cyber coverage out and away the largest chance for non-life insurers for consecutive years.”

Biggest Exposure

The largest cyber writers ar yank International cluster INC., XL cluster Ltd., and Chubb Ltd., in step with a report by mustelid Ratings. the businesses had a combined market share of roughly forty p.c at the tip of last year with “over one hundred thirty distinct insurance organizations rumored writing cyber premiums for the year.”Low claims, combined with additional firms coming into the market mean costs for cyber coverage are falling globally.

“It’s still a market wherever provide out and away exceeds demand,” Newman same. “There isn't any break in provide with new insurers coming into the market.”

With the market growing apace, regulators ar involved that insurers may be taken unexpectedly.

Insurers writing cyber policies “are expected to introduce measures that scale back the unintended exposure to the current risk,” the U.K.’s prudent Regulation Authority same in a very statement on Wednesday. It same insurers might face payouts from laptop connected claims from less specific policies like general liability or property insurance.

“Although we've got not nonetheless seen massive insurance losses, recent close to misses highlight the massive general potential of malware in a very connected world,” same Marta Abramska, associate director in PricewaterhouseCoopers’ cyber insurance observe same. “The regulator expects insurers to completely perceive their exposure.”

10 Easy Steps to Succeed in Your Online Classes

Congratulations Youve made up our minds to pursue your upper schooling, and doing so online is how to pass if you have an interest in a versatile, studentcentered educating manner. Studying online permits you to pursue different pursuits and attend to different responsibilities whilst nonetheless operating your method towards some extent. However, it will now and again imply that its clean to get distracted. Here are 10 clean steps to verify luck on your online categories.

Connect together with your instructors once conceivable. Even in case you are doing smartly within the category, its extraordinarily vital to increase a rapport together with your trainer. When you do that early on, you temporarily understand what the priorities are within the route, what expectancies the professor has of you and youre going to be motivated to prevail, surer of whats forward and higher ready to do smartly with the impending subject material.

Valuable questions to invite your trainer come with the next

How versatile are you with time limits How versatile are you with grownup freshmen What applied sciences do you employ within the route How to be had are you through e mail and different sorts of verbal exchange How do you put up an internet neighborhood and what are the expectancies for participation in it In addition, since instructors are to be had to lend a hand all over the classes, its all the time just right to have had private touch with the trainer early on. This method, when you wish to have lend a hand, its more straightforward to achieve out and get the help you wish to have.

Confirm the technical necessities of the route. Online categories can also be very advisable for college kids with busy schedules, however provided that they are able to simply get right of entry to the fabrics. It is vital to obviously perceive what the technical necessities are. So, ahead of the route begins or as quickly thereafter as conceivable, youll want to test that your pc will paintings with the entire online equipment, and that you understand how to navigate them. This will be sure that you dont must spend time all the way through the route attempting to determine the generation.

three. Create a time table and stick with it. Quality online instructors create classes which might be clean to navigate and feature transparent expectancies. Having that roughly easytodealwith framework in position will make learning and succeeding that a lot more straightforward. However, although the framework and necessities of your category arent as transparent, youll create a time table and construction, which is able to very much fortify your probabilities of luck within the route. Using equipment equivalent to Google Calendar is a good way to start out. Knowing how your weeks and months glance and scheduling blocks of analysis time for each and every activity or module will will let you stick with a time table.

four. Ask questionsall the time. When you dont perceive, ask questions. When you do perceive, ask additional questions. Instructors recognize scholars who take part, and if theres a participation or dialogue part a part of the grade, then asking high quality questions is helping guarantee your grade on this space. Even if there isnt a participation part, its all the time helpful to invite inquiries to remember to perceive the fabric and are transparent on what is needed of you.

five. Be arrangedand keep arranged. Students whore taking conventional, campusbased classes most often have a constant time table to observe each and every week, through which study room instruction is adopted through assignments out of doors the category. However, for online classes, scholars will have to search out their very own techniques to stick on most sensible in their paintings. It is crucial that you just be arranged from the start of the semester with the intention to achieve success in an internet route. For instance mark task due dates on your calendar, discover a submitting machine for each online subject material and bodily subject material that is helping you stay monitor of the whole lot simply, and shed light on find out about schedules that duvet sections of the route one by one so youve got an arranged tactic to protecting the semesters subject material as you pass alongside.

Have a blank, quiet, and constant workspace. One factor online and inclass classes have in not unusual is that scholars all the time want a spot to review or whole assignments this is blank, quiet, and constant. You can select the place that is for youwhether or not its at a espresso store, a college library, a devoted place of business, or at house. Wherever you select to review and whole assignments, you must make it a constant location that doesnt have out of doors distractions. It is basically key that where is quiet and lets you focal point in your paintings with out distractions.
Do no longer procrastinate. Successful distance freshmen hardly procrastinate. They dont do away with assignments or wait till the final second to write down their papers. Successful online scholars experience freedoms that come with operating at their very own tempo and the facility to finish their paintings in as a lot time because it takes them. On the opposite hand, they know that finishing their assignments is best performed early and on time cramming merely doesnt paintings, and it doesnt will let you retain knowledge longterm. Get began early on getting a success.

eight. Work in your studying comprehension. Successful distance freshmen generally tend to have just right studying comprehension abilities. Most conventional, campusbased scholars concentrate to lectures and take notes, and a few online classes additionally require this. However, the vast majority of distance freshmen are anticipated to grasp subject material thru a large amount of studying. Although far finding out classes be offering video recordings and audio clips, maximum systems require scholars to hide and grasp a considerable amount of written knowledge. If it is a problem for you, it could be very useful to first sign up in a studying comprehension route there are lots of assets online that will help you do that. This ability by myself could make a huge distinction on your luck.

nine. Establish and admire routines that be just right for you. If, for instance, youre employed best within the morning or in brief bursts, then set find out about routines that can help you find out about within the prelunch hours when your mind is contemporary. If, then again, you do best through learning at evening or at the weekends when youll devote nightowl hours or longer blocks in your learning, then make it some degree to take action. Consider how and whilst you paintings best, and enforce a find out about plan that respects the routines that be just right for you.

Connect together with your friends. Establishing sturdy connections with friends and professors is a very powerful facet of tutorial luck, in addition to skilled development. One of essentially the most rewarding reports in schooling is finding out thru collaboration. Forming significant relationships together with your friends and professors can can help you be told extra, keep motivated, and feature an outlet to specific your personal working out of subject material. So, keep attached thru message forums, chat rooms, e mail, and different digital assets. And take note lots of the other people you meet in faculty shall be conceivable process assets down the road so determine connections and keep in contact

Florida National University gives a wealth of tutorial and professional online classes. Check out the entire choicesyour long run is ready